it's hitting the poor president obama claimed obama care would be helping. 55-year-old. if you are a 55-year-old smoker you will be paying extra $4,500 a year if you smoke in your premiums. 60 years old even higher than that doesn't affect young people as. of the costs are lower there. look, they say, you know, heart disease, lung cache, the list goes on and on. hypertension. estimated deaths upwards of 450,000 a year because of smoking-related deaths. where do these costs come from in healthcare? >> somebody has to pay them obviously. we know this equation that they create more healthcare costs for the system. but as you point out, tucker, this could be considered preexisting condition. it's addictive. if you are addicted to cigarettes and you are a smoker and you have some of these health conditions. you have preexisting conditions. if you are overweight from all -- all of these are personal responsibilities. if you are overweight from overeating not a preexisting condition. >> insurance companies ought to be able to decide what they charge people. of course people vol